FL S1428

Public adjusters, apprentices, and adjusting firms must respond to written or electronic claim status requests from claimants or insureds within 14 days and retain a copy of the response

Universal life insurance policies issued in Florida must include a free annual report to policyowners detailing policy value, death benefit, net cash surrender value, outstanding loans, and warnings if the policy may not maintain coverage through the next reporting period or to maturity

Automobile insurers offering towing and labor coverage must disclose that using such coverage results in a filed claim that will appear in the claimant's claims history for future underwriting, and must obtain express consent before submitting the claim (does not apply to crash-related towing claims)

Insurers must pay or deny first-party physical damage claims on private passenger motor vehicles within 60 days of receiving notice, with late payments accruing interest at the statutory rate from the date notice was received; exceptions apply for factors beyond the insurer's control such as governor-declared emergencies, fraud, or parts delays

Out-of-state group health insurance policies covering Florida residents must comply with the benefits specified in s. 627.6562 in addition to previously required provisions; the act takes effect July 1, 2025